This is why you should just invest the money yourself and buy bonds and shares. Don't buy shares so you can make money from price increase (this is your pension money) but buy shares you can make money from dividend and then take those dividend and keep reinvesting until you retire and you should retire with an income of more then what you put it. Bonds are also good but make sure they are low risk (again remember this is your pension money). At least 15% of your income should go for retirement.